The Team

We have an incredibly diverse and skilled team, and by working together we can achieve so much more. We value everything everyone brings to the table, and by joining forces, we not only achieve our goals, but grow and improve our business for the better. At Efficient Portfolio we have a team of highly skilled and qualified individuals who can provide guidance to a range of clients.
Charlie Reading

Charlie Reading

Charlie Reading is the founder and director of Efficient Portfolio. Having worked in the industry since 1999, Charlie has a wealth of experience and has been designated with ‘Chartered Financial Planner’ status, placing him in the top 10% of all advisers in the country.

Charlie is also the author of ‘The Dream Retirement’, an award-winning speaker who has a passion for amazing retirement planning.

Charlie has successfully helped many people save for, manage and enjoy their retirement, often when they didn’t think they had saved enough. Through careful planning he has shown them how they can maximise the money, reduce their risk and design an income strategy that delivers the life they desire. But Charlie is also passionate about building a better life through understanding what makes us happy and healthy. What makes our mind tick, and what strengthens our relationships, because ultimately the financial side of retirement is just the starting point.

He loves spending time with his wife and two daughters, cycling, swimming, running and playing golf, is passionate about scuba diving, safari and travelling.

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Tom

Tom Senogles

Tom is a Chartered Financial Planner and the Adviser Manager at Efficient Portfolio.

Tom previously worked for sister company Efficient Paraplanning but moved over to Efficient Portfolio in 2016. During his time at Efficient Paraplanning Tom has spent time working for many of the UKs top financial planners and advisers on an outsourced basis giving him a wide range of experience in investments, pensions, and trust and tax planning. During his studies, Tom was awarded best performance in obtaining both the Diploma in Regulated Financial Planning 2016 and Advanced Diploma in Financial Planning 2019 from the Chartered Insurance Institute.

Your likes: Formula 1 & Cats
Your dislikes: Fruit in puddings, beetroot & red cabbage
Your favourite pastimes: Skiing, golf & squash
Your favourite artist/band: Damian Marley

Tim

Tim Webb

Tim has been with Efficient Portfolio for approaching 5 years and holds the following qualifications:

  • Certificate in Securities Advice and Dealing
  • Certificate in Discretionary Investment Management
  • Certificate in Pension Transfer Advice which is a specialist qualification which classes Tim as a ‘Pension Transfer Specialist’ by our regulator, the FCA.
  • Award in Long Term Care Insurance
  • The Advanced Diploma in Financial Planning (Chartered status)
  • Full Membership of the Chartered Institute of Securities & Investments (CISI)

Prior to Efficient Portfolio, Tim worked briefly in an accountancy firm where he developed his interest in the financial services sector.

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Henry

Henry Elliston

Henry is a Chartered Financial Planner, with 15 years’ experience advising clients in the lead up to and reaching retirement.  In particular, he has advised many professionals who have maximised their pension savings, to accrue further savings and maximise the legacy passed on to their loved ones.  He has also been elected a Fellow of the Personal Finance Society and is a Pension Transfer Specialist.

Your likes: watching sport, holidays, live music
Your dislikes: uncooked eggs
Your favourite pastimes: squash, playing with my girls, knocking up a mean Sunday roast and walking the hound
Your favourite artist/band: Gorillaz

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Richard

Richard Phillips

Richard Phillips has been a Financial Adviser since training with Prudential in 1991, and has been Independent since 2000. He focuses his advice proposition on the active management of client funds both pre and post retirement, including tailored Inheritance Tax planning.
He is also one of relatively few advisers qualified to offer specific advice in the care funding market.

Likes: "one pan" cooking, blues music, relaxing with a glass of wine
Dislikes: Rain, delayed flights, rap music, feta cheese
Favourite pastime: Walking along a beach/through a forest, long lazy breakfasts in bed
Favourite artist/band: I like most music and therefore most artistes but BB King and Kevin Davy White hit the spot.

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Charlotte

Charlotte Colton

Charlotte has been with Efficient Portfolio since 2011 but has worked in marketing and business development since graduating from Kings College London in 2007 with a BA in English. Since then she has undertaken several courses and qualifications in marketing, including copywriting, advanced social media and a diploma in Internet Marketing.
Dan

Dan Smalley

Dan has been at Efficient Portfolio since March 2017 and is our Mortgage Adviser. Dan holds the Diploma in Regulated Financial Planning, along with specialist Mortgage and Equity Release qualifications. This allows him to provide the best advice to his clients on all areas of secured lending.

Your likes: Cooking & travelling

Your dislikes: Rock music & British weather

Your favourite pastimes: Cycling

Your favourite artist/band: Drake

Alex-W

Alex Wycherley

Alex Wycherley joined Efficient Portfolio in January 2017, having worked for a well-known Wealth Management firm for 8 months preceding that. He is currently a Paraplanner and is working towards his Diploma in Financial Planning, with the final exam coming up in July. Following that he will then progress towards obtaining the APFS qualification. Prior to working in the Financial Services industry, Alex took a career break to obtain his Private Pilot’s Licence (Helicopter) and continues to pursue flying in his spare time.
Katie

Katie Burgess

I have been with Efficient Portfolio for over 3 years, working my way up from business administration to a paraplanning position. I have achieved my Diploma in Regulated Financial Planning and am currently working towards chartered status. I also hope to complete my Certificate in Paraplanning within the coming months. My current role within the business is Paraplanner, which involves researching and writing up Financial Plans for our advisers. In the future, my goal is to progress to become a Chartered Financial Planner within the company.
Molly

Molly Warren

Molly has been with Efficient Portfolio since March 2015, and has spent her time at the company gaining knowledge and experience in various areas of Financial Planning. She holds the Diploma in Regulated Financial Planning and the Certificate in Financial Services, and is now working towards her Chartered status. She also has a keen interest in the Estate Planning sector. Molly has recently undertaken the STEP Certificate for Financial Services - Trusts and Estate Planning, and is hoping to become a STEP Affiliate Member in 2020.
Alex B

Alex Baker

Your likes: Travelling & real ale

Your dislikes: The cold & spiders

Your favourite pastimes: Horse riding, reading & cooking

Your favourite artist/band: Fleetwood Mac

Angela

Angela Elder

Angela has been with Efficient Portfolio since January 2014 and is now working with the Company Accounts. Angela has 19 Years in Accountancy roles and holds AAT Qualifications & Bookkeeping. Angela is working her way with studying and taking accountancy exams and her goal is to attain the Chartered Accountant qualification. Angela is an avid Reader and has recently become a keen runner.
Victoria

Victoria Sauntson

Victoria is a skilled Personal Assistant with over 14 years of office-based experience in the private sector. She is now expanding her role to take on some of the digital marketing elements of the business, so that she can expand her skill set and knowledge.

Your likes: puzzles, travelling, chocolate
Your dislikes: running, Brussel sprouts, slow walkers
Your favourite pastimes: Escape Rooms, Geocaching, family games nights, reading
Your favourite artist/band: The Black Keys (at the moment)

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Charlie K

Charlie Kinder

Charlie joined Efficient Portfolio in October 2018. She is an English Language graduate with a background in administration. Charlie is studying towards her Diploma in Regulated Financial Planning and is enjoying this opportunity to learn and broaden her experience.

Your likes: red wine, exploring new places
Your dislikes: being cold, deep water, mushrooms
Your favourite pastimes: reading, country walks, cooking (or trying to!)
Your favourite artist/band: Foo Fighters, Ed Sheeran

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Harry

Harry Duval

Recently joined efficient portfolio at the start of the 2019 year.
Graduating in the summer of 2018 in Business Management & Golf, I am now seeking a career in financial services and currently working towards my Diploma in Regulated Financial Planning.

Steph

Stephanie Tennant

Stephanie joined Efficient Portfolio in February 2019. She has many years’ experience in office-based roles, having previously run a small business and worked in the legal sector.
Stephanie has just begun working towards her Diploma in Regulated Financial Planning and is looking forward to the opportunities this will afford her career.

Helen

Helen Morris

Helen has recently joined Efficient Portfolio as a Paraplanner, having worked in Insurance and Financial Services for the last 15 years. Helen holds the CII DipPFS, Pension Transfer Specialist and CertPFS (Paraplanning) qualifications. With a keen interest in Art, Theatre, World Cinema and Classical Music, she also enjoys travelling, cooking, gardening, going to the gym and Pilates.

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